Ok here is the confusing story. After all the running around getting pdl's to go away, I decided to pull my credit reports today. WOW was I in for a shock.
Nothing from the pdl's, but there was 4 settled judgements on my report, but the judgements were not for me!!! My former sister and law and I have the same name with exception of middle name, that and the fact I am about 15yrs her senior lol.
It tried to go to equifax to dispute it, but they sent me to CSCC who handles my account I guess.